If you wish to succeed with your business, you will need to be able to provide some value that sells to your target audience in order to make money.
To determine some value that sells you will need to do some research. You will also need to define a unique edge for your business that will provide your targets with a reason to prefer your product/service to your competitors and will need to test the demand for your idea/value, before you start your business.
Determining each one of these may or may not cost you money.
Irrespective of whether you have a lot of money or not, you will generally need to define the value that you will provide to your targets and some form of uniqueness for your business, and should ideally also test the demand your business idea/value before you start, if you wish to succeed with your business. If you choose not to do any one of these, you may have some issues with making money or making enough money with your business.
Once you‘ve determined a value and a uniqueness for your business, and you have tested the demand for your value/idea, you can then determine how much you can financially invest in your business in order to make some specific amount of money. You can also determine the type of businesses you can afford to start and run, with this too.